Your mortgage, without scares or surprises.
Clear information to help you make informed decisions.
I am Miguel Cerezal , and I share practical information about buying property and mortgage financing, helping you understand the process and avoid costly mistakes—without the hassle. sin líos.
- I explain key concepts and real mortgage terms.
- I compare different options and scenarios using clear, straightforward figures. .
- I guide you through each step and the required documentation, right up to signing.
I give you clarity about your property and your mortgage.
Your home, without the drama.
Now Begin the important thing.
Your path to homeownership
I guide you through the entire process, from understanding how much you can borrow to signing before a notary. Three clear, secure steps, with no hidden conditions.
The information I provide helps you assess your income, debts and savings, so you can understand how much you can safely borrow without putting your day-to-day finances at risk.
The guidance and criteria I share help you review the valuation, compare mortgage terms and understand which options are likely to suit your profile best.
The explanations I provide help you understand the agreement and every important detail before making a commitment, so you can sign with confidence and complete peace of mind.
Now that you know the three steps to your home, we'll begin with the first one: Let's find out how much you can borrow from the bank.
A mortgage can be your best decision… or the most expensive one of your life.
Run a simulation of your situation and see how far you can go without exceeding 35% of your income.
Your simulation tells you if the mortgage fits your budget. The evolution of Euribor tells you what risk you are taking in the future: Check the current Euribor rate here before making a decision.
Today’s Euribor rate
Bear in mind the actual value of Euribor before deciding how much mortgage to take on.
This index is the main reference for many variable-rate mortgages. If the Euribor increases, your instalment may increase, which is why it is important to look at it before (and after) you do your mortgage simulation.
Source: daily data from Euribor.com.es.
Would you prefer me to tell you?
Sometimes, understanding your mortgage is easier when someone explains it to you without the jargon. In this video, I'll teach you, step by step, what you should consider before signing and how to avoid the most common mistakes. Search, clearly and without fuss.
So you understand what's important in under 3 minutes.